Eksekusi hak tanggungan atas perjanjian club deal yang memuat klausula cross collateral dan cross default

Andriyani, Elisa (2020) Eksekusi hak tanggungan atas perjanjian club deal yang memuat klausula cross collateral dan cross default. Masters thesis, Universitas Pelita Harapan.

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Abstract

Profesi Notaris sebagai Pejabat Umum yang membuat akta otentik dibutuhkan dalam kegiatan usaha perbankan. Berkembangnya kegiatan bisnis dan perekonomian berakibat melonjaknya tuntutan pinjaman dalam jumlah besar dan bahkan melampaui ketentuan Batas Maksimum Pemberian Kredit (BMPK). Untuk mengakomodir hal tersebut bank dapat melakukan pemberian kredit melalui mekanisme perjanjian club deal dan untuk mempermudah proses eksekusi jaminan jika terjadi kredit macet, maka bank mencantumkan klausula cross collateral dan cross default. Perjanjian club deal adalah perjanjian bilateral dan tidak terikat satu sama lain. Berdasarkan hal tersebut peneliti tertarik untuk meneliti lebih lanjut tentang bagaimanakah karakteristik dan konstruksi hukum dalam akta cross collateral dan cross default dalam perjanjian kredit perbankan serta bagaimanakah prosedur eksekusi terhadap jaminan jika terjadi wanprestasi oleh kreditur terhadap perjanjian club deal. Dalam penelitian ini, pengumpulan data dilakukan dengan dilakukan dengan pendekatan perundang-undangan dan juga buku-buku yang terkait dengan penelitian. Dari hasil penelitian tersebut, dapat disimpulkan bahwa tidak terdapat perbedaan yang signifikan antara perjanjian club deal dengan perjanjian kredit pada umumnya, hanya saja yang membedakan adalah pada pasal tentang jaminan. Sementara untuk proses eksekusi jaminannya sendiri sama dengan hak tanggungan pada umumnya, akan tetapi untuk eksekusi perjanjian kredit club deal yaitu pada pelaksanaan eksekusi jaminan Sertipikat Hak Tanggungan dilakukan oleh Agen Jaminan, uang hasil eksekusi masuk ke rekening Agen Jaminan dan pembagian Hasil Agunan secara Pari Passu dan Pro rata. Meskipun telah diatur tentang Sertipikat Hak Tanggungan elektronik, akan tetapi belum diatur secara rinci mengenai bagaimana cara eksekusi sertipikat hak tanggungan elektronik tersebut / Notary Public as General officer who makes authentic deed is needed in banking business activities. The growth of business and economic activities resulted in a large number of loan demands and even exceeded the provisions of the maximum credit limit (BMPK). To accommodate that bank can make credit through the mechanism of the club deal and to facilitate the execution process of the guarantee in case of bad credit, then the bank lists the cross collateral and cross-default clause. Club deal agreements are bilateral agreements and are not tied to each other. Based on this, researchers are interested in researching more about how the characteristics and construction of the law in the cross collateral and cross default deeds in the banking credit agreement as well as how the execution procedure for assurance in case of tort by the creditor against the club deal agreement. In this research, data collection is done by the approach of legislation and also books related to research. From the results of the study, it can be concluded that there is no significant difference between the club deal agreement and the general Credit agreement, but only distinguishing is the article on the guarantee. While for the execution process itself is the same as the right of liability in general, but for the execution of the club deal credit agreement that is in the execution of a guarantee of the security of the rights of liabilities carried out by the assurance agent, the result of the execution of the securities of the guarantee agent and the distribution of the result of a Pari Passu and Pro Although it has been regulated about the electronic rights certificate, it is not yet set out in detail on how to execute a sertificate electronic liability.

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